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Overview
Profile

Southern Michigan Bancorp stock

SOMC
US84336P1030

Price

19.25
Today +/-
-0.24
Today %
-1.29 %

Southern Michigan Bancorp stock price

%
Weekly
Details

Price

ⓘ

Overview

The Quote Chart provides detailed and dynamic insights into the Southern Michigan Bancorp stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Southern Michigan Bancorp stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Southern Michigan Bancorp stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Southern Michigan Bancorp's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Southern Michigan Bancorp Stock Price History

DateSouthern Michigan Bancorp Price
12/10/202419.25 undefined
12/6/202419.50 undefined
12/5/202419.25 undefined
12/3/202419.00 undefined
12/2/202418.83 undefined
11/26/202418.75 undefined
11/22/202418.65 undefined
11/20/202418.70 undefined
11/18/202418.55 undefined
11/15/202418.70 undefined
11/13/202418.70 undefined

Southern Michigan Bancorp Revenue, EBIT, Net Income

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Revenue
Net Income
Details

Revenue, EBIT and Profit

ⓘ

Understanding Revenue, EBIT, and Income

Gain insights into Southern Michigan Bancorp, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Southern Michigan Bancorp from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Southern Michigan Bancorp’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Southern Michigan Bancorp. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Southern Michigan Bancorp’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Southern Michigan Bancorp’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Southern Michigan Bancorp’s growth potential.

Southern Michigan Bancorp Revenue, EBIT and net profit per share

DateSouthern Michigan Bancorp RevenueSouthern Michigan Bancorp Net Income
202251.51 M undefined13.49 M undefined
202146.15 M undefined11.76 M undefined
202040.2 M undefined7.39 M undefined
201940.21 M undefined8.62 M undefined
20180 undefined8.13 M undefined
20170 undefined5.42 M undefined
20160 undefined6.1 M undefined
20120 undefined4.35 M undefined
20110 undefined3.4 M undefined
20100 undefined3.1 M undefined
20090 undefined1.94 M undefined
20080 undefined810,000 undefined
20070 undefined4.13 M undefined
20060 undefined4.01 M undefined
20050 undefined3.8 M undefined
20040 undefined3.6 M undefined
20030 undefined3.26 M undefined
20020 undefined1.03 M undefined
20010 undefined2.74 M undefined
20000 undefined3.38 M undefined

Southern Michigan Bancorp Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (M)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M)EBIT (M)EBIT MARGIN (%)NET INCOME (M)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (M)DOCUMENTS
199319941995199619971998199920002001200220032004200520062007200820092010201120122016201720182019202020212022
0000000000000000000000040404651
-------------------------15.0010.87
-----------------------112.5080.0086.9688.24
000000000000000000000000324045
00000000000000000000000081416
---------------------------
12233333213334401334658871113
-100.00-50.00-----33.33-50.00200.00--33.33---200.00-33.3350.00-16.6760.00--12.5057.1418.18
---------------------------
---------------------------
4.114.214.284.364.414.374.224.064.043.923.873.883.583.543.634.564.584.634.674.744.84.734.634.614.64.544.54
---------------------------
Details

Keystats

ⓘ

Revenue and Growth

The Southern Michigan Bancorp Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Southern Michigan Bancorp is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (M)TANGIBLE ASSETS (M)LONG-T. INVEST. (M)LONG-T. REC. (M)INTANGIBLE ASSETS (M)GOODWILL (M)OTHER NON-CURRENT ASSETS (M)NON-CURRENT ASSETS (M)TOTAL ASSETS (M)LIABILITIESCOMMON STOCK (M)ADDITIONAL PAID-IN CAPITAL (M)RETAINED EARNINGS (M)OTHER EQUITY (M)UNREAL. GAINS/LOSSES (k)EQUITY (M)LIABILITIES (B)PROVISIONS (M)OTHER SHORT-TERM LIAB. (M)SHORT-TERM DEBTS (M)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (B)LONG-T. LIAB. (M)DEFERRED TAXES (M)OTHER LIAB. (M)LONG-T. LIABILITIES (M)DEBT (B)TOTAL CAPITAL (B)
19941995199619971998199920002001200220032004200520062007200820092010201120122016201720182019202020212022
                                                   
000000000000000000000000118.7676.14
00000000000000000000000000
00000000000000000000000000
00000000000000000000000000
0000000000000000000000007.157.34
000000000000000000000000125.9183.48
3.345.25.676.77.67.97.16.86.67.28.713.313.312.912.612.512.412.814.2714.314.5213.713.1216.55
000000000000000000000000248.45251.01
00000000000000000000000000
00000000.20.20.10.1003.12.72.421.71.30.2300.330.290.260.220.18
00000000.60.60.60.60.60.613.413.413.413.413.413.413.4213.4213.4213.4213.4213.4213.42
00000000000000000000000020.7721.05
3.345.25.676.77.68.77.97.57.37.89.329.829.428.72827.627.126.4527.6928.0528.2327.38295.98302.21
3.345.25.676.77.68.77.97.57.37.89.329.829.428.72827.627.126.4527.6928.0528.2327.38421.89385.69
                                                   
2.12.12.24.44.34.64.64.64.44.44.444.25.55.55.65.65.65.66.015.795.785.785.7511.2911.29
3.93.52.71.93.98.410.19.78.88.37.245.417.118.618.41818.317.719.2515.4215.2515.5215.4214.2414.07
10.912.614.714.211.57.91011.511.413.415.818.41921.620.622.124.727.63146.2849.7555.9762.4867.7471.5882.71
0000-0.3-1-0.4-0.20.40.20.1-0.3-0.10-0.3-0.2-0.50.40.3-1.41-0.91-1.47-0.444.070.65-21.9
-100200000000000000000000000000
16.818.419.620.519.419.924.325.62526.327.526.128.544.244.445.947.851.954.670.1370.0475.5383.3592.9897.7586.16
0000000000000000000000000.971.09
00003.13.53.54.44.24.144.54.45.14.344.54.65.76.896.568.4112.5514.5613.9313.55
00000000000000000000000000
00035152924.627.634.622.512.27.224.526.425.625.125.817.223.5153.4543.8452.946.5840.6151.18
000000000000000000000000020.29
00000.010.020.030.030.030.040.030.020.010.030.030.030.030.030.020.030.060.050.070.061.031.18
11000000005.25.25.25.25.25.25.25.25.25.165.165.165.165.1634.5134.58
00000000000000000000000000
3.756.57.9641.51.51.61.82.41.92.120.70.91.41.32.10000000
4.766.57.9641.51.51.61.87.67.17.37.25.96.16.66.57.35.165.165.165.165.1634.5134.58
00.010.010.010.010.020.030.030.030.040.030.020.020.040.040.040.040.040.030.040.070.060.070.071.061.21
0.020.020.030.030.030.040.060.060.060.070.060.050.050.080.080.080.080.090.080.110.140.130.150.161.161.3
Details

Balance Sheet

ⓘ

Understanding the Balance Sheet

The balance sheet of Southern Michigan Bancorp provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Southern Michigan Bancorp's financial health and stability.

Assets

Southern Michigan Bancorp's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Southern Michigan Bancorp must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Southern Michigan Bancorp after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Southern Michigan Bancorp's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M)DEPRECIATION (k)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (M)NON-CASH ITEM (M)PAID INTEREST (M)PAID TAXES (k)NET CASH FLOW FROM OPERATING ACTIVITIES (M)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (M)CASH FLOW FROM OTHER INVESTING ACTIVITIES (M)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (M)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (M)CASH FLOW FROM OTHER FINANCING ACTIVITIES (M)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (M)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
19931994199519961997199819992000200120022003200420052006200720082009201020112012
12233333213334401334
000000001,0000000001,0001,0001,0001,0001,000
000000000000000-10000
-200-1000-1131101040031
00000000000000000000
00000000000000000000
0001,0001,0001,0001,00001,000001,0001,0001,0001,00000001,000
02224342466546565587
000-10-20-1-1000-1-2-2-10000
-5-11-10-280-29-14-19-9-12-70-4-15-1112620-56-14
-5-11-9-260-27-14-17-7-12-60-2-13-814721-55-13
00000000000000000000
000-1021010-1-140-9-54-2-10-2-6
00000-2-200000-40000000
414112202552392-2-110710-5-14281014
4151123026016116-5-915147-1-12291321
000-1-1-1-1-1-1-1-1-10-1-1-10000
-162-330-464-4-2-60-1513-354-368
00000000000000000000
00000000000000000000

Southern Michigan Bancorp stock margins

The Southern Michigan Bancorp margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Southern Michigan Bancorp. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Southern Michigan Bancorp.

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Profit margin
Details

Margin

ⓘ

Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Southern Michigan Bancorp's sales revenue. A higher gross margin percentage indicates that the Southern Michigan Bancorp retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Southern Michigan Bancorp's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Southern Michigan Bancorp's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Southern Michigan Bancorp's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Southern Michigan Bancorp. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Southern Michigan Bancorp's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Southern Michigan Bancorp Margin History

DateSouthern Michigan Bancorp Profit margin
202226.19 %
202125.48 %
202018.37 %
201921.44 %
20180 %
20170 %
20160 %
20120 %
20110 %
20100 %
20090 %
20080 %
20070 %
20060 %
20050 %
20040 %
20030 %
20020 %
20010 %
20000 %

Southern Michigan Bancorp Stock Sales Revenue, EBIT, Earnings per Share

The Southern Michigan Bancorp earnings per share therefore indicates how much revenue Southern Michigan Bancorp has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Sales per Share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

ⓘ

Revenue Per Share

Revenue per share represents the total revenue Southern Michigan Bancorp earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Southern Michigan Bancorp's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Southern Michigan Bancorp’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Southern Michigan Bancorp's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Southern Michigan Bancorp Revenue, EBIT and net profit per share

DateSouthern Michigan Bancorp Sales per ShareSouthern Michigan Bancorp Earnings per Share
202211.34 undefined2.97 undefined
202110.17 undefined2.59 undefined
20208.73 undefined1.6 undefined
20198.72 undefined1.87 undefined
20180 undefined1.75 undefined
20170 undefined1.14 undefined
20160 undefined1.27 undefined
20120 undefined0.92 undefined
20110 undefined0.73 undefined
20100 undefined0.67 undefined
20090 undefined0.42 undefined
20080 undefined0.18 undefined
20070 undefined1.14 undefined
20060 undefined1.13 undefined
20050 undefined1.06 undefined
20040 undefined0.93 undefined
20030 undefined0.84 undefined
20020 undefined0.26 undefined
20010 undefined0.68 undefined
20000 undefined0.83 undefined

Southern Michigan Bancorp business model

Southern Michigan Bancorp Inc. is an American holding company for banks that offers a wide range of financial services. The company was founded in 1898 as the Adrian State Savings Bank and is now a highly integrated community banking group consisting of a network of six banks in Michigan. The banking group provides both traditional banking services and innovative financial products and services to both retail and business customers. This includes online and mobile banking, savings accounts, credit cards, mortgage and loan programs, deposit products, as well as insurance and other financial products. The banking group also provides loans, financing, and investments to business customers in the agriculture, real estate, retail, and manufacturing sectors. The business model of Southern Michigan Bancorp Inc. is based on creating strong local banks that provide a wide range of financial services through their relationships with their customers. Each bank has a strong local presence in their markets and is led by an experienced management team. The banks also have strong balance sheets and capital positions, allowing them to provide higher satisfaction and trust to their customers. Southern Michigan Bancorp Inc. operates six subsidiary banks, including the Bank of Lenawee, Adrian State Bank, Union Bank, Peoples Federal Savings Bank, Century Bank and Trust, and Monroe Bank & Trust. Each of these subsidiaries specializes in a specific market segment and offers specialized financial products and services. The Bank of Lenawee is one of the oldest banks in Southern Michigan Bancorp Inc. and offers a wide range of banking services to retail and business customers. Adrian State Bank specializes in deposit products, mortgage and loan programs, and credit cards. Union Bank is a community bank that focuses on retail and business customers and offers services such as online and mobile banking. Peoples Federal Savings Bank specializes in deposit products, loans, and insurance. Century Bank and Trust operates in the Monroe and Lenawee regions and offers traditional banking services to both retail and business customers. Monroe Bank & Trust is one of the largest banks in the region and offers a broader range of financial products and services, including wealth management services. In recent years, the company has also invested in innovative technologies such as mobile payment services and digital financial products. The company has also established a risk management team to address potential risks and challenges associated with providing financial services in a rapidly changing environment. In summary, Southern Michigan Bancorp Inc. is an established and trusted banking group that offers a wide range of financial products and services to meet the needs of different customers. The banking group's subsidiary banks have strong local connections and are well-equipped to serve customers in the local market. With its focus on innovation and technology, Southern Michigan Bancorp Inc. will continue to play a leading role in the financial industry in the future. Southern Michigan Bancorp is one of the most popular companies on Eulerpool.com.

Southern Michigan Bancorp SWOT Analysis

Strengths

Southern Michigan Bancorp Inc has consistently shown strong financial performance, reflecting its ability to generate stable revenue and profit, which enhances its credibility and attracts investors.

The company has built a large and loyal customer base over the years through effective marketing strategies and delivering exceptional customer service. This provides a strong foundation for continued growth and customer retention.

Weaknesses

Southern Michigan Bancorp Inc operates primarily in the southern region of Michigan, limiting its market reach and potential for expansion. This geographical concentration exposes the company to regional economic fluctuations and potential risks.

The company heavily relies on traditional banking services, such as loans and deposits, and may face challenges in adapting to the evolving digital banking landscape. This could result in a loss of market share to more innovative competitors.

Opportunities

The increasing adoption of digital banking platforms presents an opportunity for Southern Michigan Bancorp Inc to invest in technology and expand its online banking services. This can attract tech-savvy customers and enhance convenience for existing customers.

The company can explore potential mergers and acquisitions to expand its geographic presence, diversify its product offerings, and gain a competitive advantage in the market. Strategic partnerships can unlock new business opportunities and drive growth.

Threats

Southern Michigan Bancorp Inc faces intense competition from both traditional banks and new fintech entrants, which can erode its market share and profitability. Staying ahead of competitors requires constant innovation and differentiation.

The banking industry is subject to strict regulations and compliance requirements. Failure to comply with these regulations can lead to fines, reputational damage, and potential legal issues. The company must stay updated and implement robust risk management practices.

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Southern Michigan Bancorp Eulerpool Fair Value

Details

Fair Value

ⓘ

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Southern Michigan Bancorp historical P/E ratio, EBIT multiple, and P/S ratio

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Southern Michigan Bancorp shares outstanding

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Number of stocks
Details

Revenue, EBIT and Earnings per share

ⓘ

Revenue Per Share

Revenue per share represents the total revenue Southern Michigan Bancorp earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Southern Michigan Bancorp's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Southern Michigan Bancorp’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Southern Michigan Bancorp's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Southern Michigan Bancorp stock splits

In Southern Michigan Bancorp's history, there have been no stock splits.

Southern Michigan Bancorp dividend payout ratio

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Payout ratio
Details

Payout ratio

ⓘ

What is Yearly Payout Ratio?

The yearly payout ratio for Southern Michigan Bancorp represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Southern Michigan Bancorp could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Southern Michigan Bancorp's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Southern Michigan Bancorp Payout Ratio History

DateSouthern Michigan Bancorp Payout ratio
202217.17 %
202127.41 %
202057.32 %
201948.13 %
201849 %
201771.93 %
201656.69 %
201234.78 %
201127.4 %
201022.39 %
200947.62 %
2008555.56 %
200770.18 %
200666.5 %
200547.62 %
200468.61 %
200372.56 %
2002234.43 %
200185.43 %
2000102.12 %
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Unfortunately, there are currently no price targets and forecasts available for Southern Michigan Bancorp.

Southern Michigan Bancorp latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
9/30/20240 0.57  (0 %)2024 Q3
6/30/20240 0.55  (0 %)2024 Q2
3/31/20240 0.59  (0 %)2024 Q1
9/30/20230 0.61  (0 %)2023 Q3
6/30/20230 0.59  (0 %)2023 Q2
3/31/20230 0.66  (0 %)2023 Q1
1

Southern Michigan Bancorp Executives and Management Board

Danice Chartrand

(46)
Southern Michigan Bancorp Chief Financial Officer, Senior Vice President, Treasurer, Secretary
Compensation 196,757

Mr. John Waldron

Southern Michigan Bancorp President, Chief Executive Officer

Ms. Melissa Bauer

Southern Michigan Bancorp Director

Charles Clark

Southern Michigan Bancorp Director

Mr. Patrick Flannery

Southern Michigan Bancorp Director
1
2
3
4

Most common questions regarding Southern Michigan Bancorp

What values and corporate philosophy does Southern Michigan Bancorp represent?

Southern Michigan Bancorp Inc represents values of integrity, accountability, and community involvement. With a strong corporate philosophy, the company aims to provide excellent financial services while fostering long-term relationships with its customers. Southern Michigan Bancorp Inc prioritizes ethical business practices and strives to meet the financial needs of individuals, families, and businesses in the Southern Michigan region. This commitment is reflected in the company's dedication to outstanding customer service, innovative solutions, and a personalized approach to banking. By embracing these values, Southern Michigan Bancorp Inc has established itself as a trusted and reliable financial institution within the community.

In which countries and regions is Southern Michigan Bancorp primarily present?

Southern Michigan Bancorp Inc is primarily present in the United States, specifically in the state of Michigan. With its headquarters located in Coldwater, Michigan, the company operates through its subsidiary, Southern Michigan Bank & Trust. Serving the southern Michigan region, the bank offers a wide range of financial services such as personal and business banking, lending, investment management, and trust services. Southern Michigan Bancorp Inc focuses its operations mainly within the southern Michigan area, catering to the financial needs of individuals and businesses in the local community.

What significant milestones has the company Southern Michigan Bancorp achieved?

Southern Michigan Bancorp Inc has achieved several significant milestones throughout its history. Notable achievements include expanding its branch network, increasing its assets and market presence, and delivering consistent financial performance. The company has successfully maintained a strong financial position, generating sustainable growth and profitability. Additionally, Southern Michigan Bancorp Inc has established a solid reputation for its exceptional customer service and commitment to community involvement. Recognized as a trusted financial institution, Southern Michigan Bancorp Inc continues to strive for excellence in serving its customers and delivering value to its shareholders.

What is the history and background of the company Southern Michigan Bancorp?

Southern Michigan Bancorp Inc. is a reputable financial services company with a rich history and solid background. It was established in 1898 and is based in Coldwater, Michigan. The company operates as the holding company for Southern Michigan Bank & Trust, a community bank providing a wide range of banking products and services to individuals, businesses, and communities. With over a century of experience, Southern Michigan Bancorp Inc. has built a strong reputation for its commitment to customer satisfaction, integrity, and financial expertise. The company's strong foundation, coupled with its dedication to meeting the evolving needs of its customers, has contributed significantly to its success and growth over the years.

Who are the main competitors of Southern Michigan Bancorp in the market?

The main competitors of Southern Michigan Bancorp Inc in the market include banking institutions such as Bank of America, JPMorgan Chase, and Wells Fargo. These well-established financial institutions compete with Southern Michigan Bancorp Inc in providing banking and financial services to individual and business customers. However, Southern Michigan Bancorp Inc offers unique advantages specific to the Michigan region, including personalized service, strong community ties, and a deep understanding of the local market. As a result, Southern Michigan Bancorp Inc maintains a competitive edge by catering to the unique needs of its customers in the region.

In which industries is Southern Michigan Bancorp primarily active?

Southern Michigan Bancorp Inc is primarily active in the banking and financial services industry. As a leading provider of banking solutions, Southern Michigan Bancorp Inc offers a wide range of products and services including commercial lending, retail banking, and wealth management. With a strong focus on local communities, the company strives to support individuals, businesses, and organizations in achieving their financial goals. As a trusted name in the industry, Southern Michigan Bancorp Inc continues to provide innovative solutions and exceptional customer service to meet the evolving needs of its clients.

What is the business model of Southern Michigan Bancorp?

The business model of Southern Michigan Bancorp Inc focuses on providing financial services to individuals, businesses, and communities in southern Michigan. As a community bank, Southern Michigan Bancorp Inc aims to support local economic growth by offering a range of products and services such as commercial and consumer banking, mortgage lending, trust and investment services, and insurance products. With a strong emphasis on personalized customer service, Southern Michigan Bancorp Inc strives to build long-lasting relationships with its customers while helping them achieve their financial goals.

What is the P/E ratio of Southern Michigan Bancorp 2024?

The P/E ratio cannot be calculated for Southern Michigan Bancorp at the moment.

What is the P/S ratio of Southern Michigan Bancorp 2024?

The P/S cannot be calculated for Southern Michigan Bancorp currently.

What is the Quality Investing of Southern Michigan Bancorp?

The Quality Investing for Southern Michigan Bancorp is 5/10.

What is the revenue of Southern Michigan Bancorp 2024?

The revenue cannot currently be calculated for Southern Michigan Bancorp.

How high is the profit of Southern Michigan Bancorp 2024?

The profit cannot currently be calculated for Southern Michigan Bancorp.

What is the business model of Southern Michigan Bancorp

Southern Michigan Bancorp Inc. (SMB) is a financial services company that offers traditional banking and financial services. The bank was founded in 1898 in Coldwater, Michigan, and is currently headquartered in Union City, Michigan. SMB's products and services are divided into various divisions, including deposits, loans, asset management, and investment advisory. Deposits are the core business of SMB and include checking accounts, savings accounts, certificates, and money market accounts. The bank also offers loans for various purposes such as residential real estate, commercial real estate, agricultural loans, and loans for small and medium-sized businesses. SMB caters to the individual needs of its customers. Another business area of SMB is asset management, where customers are assisted in managing and investing their capital. SMB also offers investment advisory services in this area. The bank also offers its customers savings accounts and investment funds to diversify their portfolios. In the area of investment advisory, SMB has experts who help their customers in assembling a portfolio with a focus on bond or equity investments. However, SMB not only has decades of experience in the financial industry but also has modern tools to provide its services better. For example, the company offers a mobile app to give customers a quick overview of their accounts and transactions. SMB is also a non-profit organization committed to supporting the communities in which it operates. SMB is involved in various charitable projects that support and secure the communities in which the bank operates. Conclusion: Over several decades, Southern Michigan Bancorp Inc. has evolved into a successful financial services company by serving its customers with various products and services. The bank specializes in individually addressing the needs of its customers. This has allowed SMB to continuously expand its market share and build customer loyalty. The experience and commitment of SMB to the community, as well as the offering of a modern app, sets the company apart from the competition. The conclusion is: Over several decades, Southern Michigan Bancorp Inc. has evolved into a successful financial services company by serving its customers with various products and services. The bank specializes in individually addressing the needs of its customers. This has allowed SMB to continuously expand its market share and build customer loyalty. The experience and commitment of SMB to the community, as well as the offering of a modern app, sets the company apart from the competition.

What is the Southern Michigan Bancorp dividend?

Southern Michigan Bancorp pays a dividend of 0.51 USD distributed over payouts per year.

How often does Southern Michigan Bancorp pay dividends?

The dividend cannot currently be calculated for Southern Michigan Bancorp or the company does not pay out a dividend.

What is the Southern Michigan Bancorp ISIN?

The ISIN of Southern Michigan Bancorp is US84336P1030.

What is the Southern Michigan Bancorp ticker?

The ticker of Southern Michigan Bancorp is SOMC.

How much dividend does Southern Michigan Bancorp pay?

Over the past 12 months, Southern Michigan Bancorp paid a dividend of 0.51 USD . This corresponds to a dividend yield of about 2.65 %. For the coming 12 months, Southern Michigan Bancorp is expected to pay a dividend of 0.51 USD.

What is the dividend yield of Southern Michigan Bancorp?

The current dividend yield of Southern Michigan Bancorp is 2.65 %.

When does Southern Michigan Bancorp pay dividends?

Southern Michigan Bancorp pays a quarterly dividend. This is distributed in the months of February, May, August, November.

How secure is the dividend of Southern Michigan Bancorp?

Southern Michigan Bancorp paid dividends every year for the past 20 years.

What is the dividend of Southern Michigan Bancorp?

For the upcoming 12 months, dividends amounting to 0.51 USD are expected. This corresponds to a dividend yield of 2.65 %.

In which sector is Southern Michigan Bancorp located?

Southern Michigan Bancorp is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Southern Michigan Bancorp kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Southern Michigan Bancorp from 10/18/2024 amounting to 0.15 USD, you needed to have the stock in your portfolio before the ex-date on 10/9/2024.

When did Southern Michigan Bancorp pay the last dividend?

The last dividend was paid out on 10/18/2024.

What was the dividend of Southern Michigan Bancorp in the year 2023?

In the year 2023, Southern Michigan Bancorp distributed 0.71 USD as dividends.

In which currency does Southern Michigan Bancorp pay out the dividend?

The dividends of Southern Michigan Bancorp are distributed in USD.

All fundamentals about Southern Michigan Bancorp

Our stock analysis for Southern Michigan Bancorp Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Southern Michigan Bancorp Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.